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OverviewWhen low-income city dwellers lack access to mainstream banking services, many end up turning to 'fringe banks,' such as cheque-cashers and pawnshops, for some or all of their financial transactions. This predicament of 'financial exclusion' - faced by those underserved by conventional financial institutions - is comprehensively examined in Jerry Buckland's powerful study, Hard Choices. The first account of the nature and causes of financial exclusion in Canada, Hard Choices thoroughly integrates economic and social data on consumer choice, bank behaviour, and government policy. Buckland demonstrates why the current two-tier system of banking is becoming increasingly dysfunctional, especially in the context of new credit products that aggravate income inequality and stifle local economic growth. Featuring a foreword by esteemed economics scholar John P. Caskey, Hard Choices presents pragmatic policy improvements on both the public and private levels that can promote and build financial inclusion for all. Full Product DetailsAuthor: Jerry BucklandPublisher: University of Toronto Press Imprint: University of Toronto Press Dimensions: Width: 15.40cm , Height: 2.00cm , Length: 22.90cm Weight: 0.420kg ISBN: 9781442612525ISBN 10: 1442612525 Pages: 288 Publication Date: 30 March 2012 Audience: College/higher education , Postgraduate, Research & Scholarly Format: Paperback Publisher's Status: Active Availability: Manufactured on demand  We will order this item for you from a manufactured on demand supplier. Table of ContentsContents Foreword Acknowledgments List of Illustrations Introduction Chapter 1.The Context of Financial Exclusion in Canada Chapter 2.Theories about Financial Exclusion Chapter 3.Choosing Banking Services When the Options Are Limited Chapter 4.The Business of Inner-City Banking Chapter 5.Working for Financial Inclusion Chapter 6.Conclusion Appendix. The Importance of Partnerships Notes ReferencesReviews'Hard Choices provides original and valuable insights into an important aspect of Canada's urban community. This timely study is bound to spur policy discussion and will appeal to those interested in social issues and outreach.'--Gary A. Dymski, Department of Economics, University of California at Riverside Author InformationJerry Buckland is a professor at Menno Simons College at the Canadian Mennonite University, and affiliated with the University of Winnipeg. Tab Content 6Author Website:Countries AvailableAll regions |
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